Does an authorized user of credit cards have to file if the signatory card holder files for bankruptcy - if they're not married?
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A credit card's authorized user (married or not) is not responsble for anything owed on the card.Originally posted by magyar123 View Post
The authorized user should check their credit reports several months after the primary card holder files bk to ensure that card is reporting correctly on their credit report. If it shows like the authorized user filed, then they need to get that corrected immediately.
Now if the second person is a card co-signer, then that's totally different. Then the second person (married or not) becomes financially responsible for paying the full amount on the card after the primary card holder files.I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go -
Remove your authorized user from your cards ASAP ! That way it will stop reporting on their credit report.Chapter 7 Pro Se....Discharged Feb. 2006Comment
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No she doesn't need to file as long as she's just an authorized user. However it might be best to remove her as an authorized user as cindy suggests.May 31st, 2007: Petition Filed by my lawyer
July 2nd, 2007: 341 Meeting Held
September 4th, 2007: Discharged and Closed.Comment
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